Originally Posted by
Kinounware
I have no interest in store cards or cards with an annual fee (with the exception of the CSR). I realize getting the CSR as my "first" unsecured card will be impossible, but I'd like to get it within 2 or 3 years if possible.
Is there anything I can do (apart from waiting) that would help mitigate my fresh credit? i.e. Keeping money (over a specific amount) in my Chase checking account
Applying for the CSR in 3, maybe 4 years is certainly possible. It all depends on what you do between now and then. Over eager, and you’ll wait longer.
There isn’t any magic cure to give you stellar enough of a history to get a CSR any time soon.
I get it. You have a need today that you can’t realistically meet in a short timespan. You may read of tricks and gimmicks, but they really aren’t the path to instant CSR salvation as they will lead you to believe.
You have a lifetime of credit and point opportunities ahead of you, but you really, really need to build that foundation in order to take advantage of it. CSR, AMEX Plat, etc are the top cards of the game. You have to play your cards right in order to get there. If you do that, as suggested above, you will build that solid foundation and in turn you will be able to get cards at will (within reason, rules etc) in a few years.